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The UK's most popular peer to peer platform

Peer to peer means better value for everyone

We believe it’s your money so it makes sense that you get the best value from it. By connecting people who have money to invest with those who want to borrow it, everyone gets a better deal. It’s as simple as that.

Smartinvestors

You can earn more by investing into a portfolio of loans to creditworthy households and businesses.

Households and businesses

Get a flexible loan at competitive rates, with a simple application that protects your credit score.

Protecting our customers is important to us

Protecting your money is our top priority, because without you, there’s no RateSetter. Since 2010, we have provided stable returns to our investors, while our borrowers have enjoyed flexible loans at competitive rates. Our Provision Fund offers that added peace of mind.

About RateSetter

Ever wondered how your bank makes money? By lending your money. Well, we believe that your money should work for you instead of someone else.

In 2010, we founded RateSetter on that principle. We created a peer-to-peer platform to connect those who have money to invest with those who want to borrow it, providing better value to everyone.

We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive loan.

We are committed to being the UK’s safest and most liquid peer-to-peer platform (perhaps that’s why we’re also the most popular). Read more

RateSetter news

Managing supply and demand

Mario Lupori21 Mar 2019

RateSetter aims to be the destination of choice for people looking to earn more on their money - offering more earning potential than cash without the volatility of shares. In eight years we have come a long way: you, together with 70,000 other...

RateSetter investors have now supplied more than &pound;3 billion in loans to people and businesses across the UK and in doing so have earned over &pound;120 million in interest to date. Well over 600,000 customers have used RateSetter to invest or borrow &ndash; a...

Our&nbsp; blog on 3 January 2019 &nbsp;outlined plans for the Rolling market to fund two types of loans: Loans that repay your money, plus interest, in monthly instalments (existing functionality) Loans that repay your money, plus interest, at the end of th...

At RateSetter, the rates in our markets are continuously updating based on investor supply and borrower demand. A particularly attractive feature of investing with RateSetter is the track record of stable and steady average returns over time. This...

One year since we launched the RateSetter ISA, allowing investments to be included in a tax-free wrapper for the first time, we want to take this opportunity to thank all our investors for choosing to invest with us. 1 in 4 RateSetter customers...

At RateSetter, the rates in our markets are continuously updating based on investor supply and borrower demand. A particularly attractive feature of investing with RateSetter is the track record of stable and steady average returns over time. This...